Refinance Your Auto/Vehicle Loan with Another Lender at SCCU
Get the lower payment you wanted in the first place. Refinancing an auto, boat, or RV loan you have with another lender is a smart, fast move.
Best Choice If:
- You financed elsewhere and would like to decrease your monthly payment by taking advantage of our low rates
- You want to manage more of your accounts with SCCU and receive one less statement
- You didn't buy GAP coverage or an Extended Warranty and want them now
- You would like to refinance your loan from another lender and reduce the amount you owe by applying your Scorecard Rewards rebate
SCCU's Auto Loans allow you to get pre-approved before you buy a car, truck, boat, or other vehicle, with great rates and features, including:
- Financing for New & Used Vehicles
- Low credit union rates1
- Terms up to 75 months (availability depends on vehicle, model year, and other criteria)2
- Up to 90-day deferred payment option3
- No application fee
- Fast approvals (most in less than 10 minutes)
- You can purchase GAP and/or Warranty coverage when you refinance
- Use your Credit Card ScoreCard Rewards to reduce your loan amount
- Motorcycle, Boat, RV, and ATV loans available
- Financing for purchases from individual (vs. a dealership)
- FREE Online Banking
- FREE Online Statements
- One statement for all your accounts
Read real reviews from real SCCU members about their auto loans! Only members with this product are invited to provide their comments and ratings.
Apply for an Auto/Vehicle Loan
There are three easy ways to apply the next time you buy!
By Phone Anytime
Contact an Express Associate to complete an application over the phone – it only takes 10 minutes!
Complete the online application and an Associate will contact you to complete the process.
At Any Branch
Visit any of SCCU's 61 convenient branch locations. You'll speak to an Express Associate using the in-branch phone located in a private Express Booth, and can complete all of the paperwork with your Branch Member Service Specialist immediately after your call.
1RATES: Rates are subject to change. Rates shown are fixed Annual Percentage Rates and are affected by your credit quality, model year, term selected, loan to value (LTV) and payment method. Your rate may be different. Qualified borrowers only. Our usual credit criteria apply. You may be asked to furnish a down payment.
2TERMS: Terms available up to 75 months and are based on your credit quality, vehicle type, model, and year. Our usual credit criteria apply. Your term may be different. Qualified borrowers only.
3DEFERRED PAYMENT: Optional. Interest accrues from date of contract. Qualified borrowers only. First payment may be deferred up to 90 days and is dependent upon when your loan closes, your deferment may be 90 days or less. Deferred payment not available for refinances of existing SCCU auto loans.